Business Insurance — Employee Benefits and Coverage

Small organizations typically offer employees great opportunities to contribute and make a difference right away. But sometimes it can be hard to compete with the business insurance benefits offered by larger employers. State Farm® can help. As small business owners themselves, our agents understand the challenges you face — and can help you put together competitive, affordable plans to attract great people and retain loyal employees.

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Group Life Insurance

Design a plan to help protect your most valuable assets — your employees. In most states, we can establish group life insurance for employee groups of five or more. You choose from a variety of benefit amounts, and the competitively priced premiums you pay for your employees are generally tax deductible as a business expense.

Workers Compensation

As hard as you work to maintain a safe environment, accidents do happen. Protect your business from serious financial hardship in case of an employee injury. Our workers compensation insurance typically covers an employee's medical treatment, permanent and temporary disability, and death benefits.

Retirement Plans

Give your employees a head start on their retirement savings. Your agent can work with you to set up the retirement plan that's right for your business — including SEP and SIMPLE IRAs, along with traditional and safe harbor 401(k) plans — and meet with your employees to discuss the details and investment options. Our business insurance benefits experts are available online and by phone to answer any questions. We also offer retirement plans designed just for business owners.